Vermont Best Auto Loan Rates - August 2026
Brian McKay
Brian McKay
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Current auto loan rates in Vermont include Central Vermont Medical Centerinc CUCentral Vermont Medical Centerinc CU130 Fisher Rd, Berlin, VT, 05602A5.0 ★Texas Ratio: 8.58% offering New and Used Automobiles and motorcycles at 2.25%, Northern Lights Federal Credit UnionNorthern Lights Federal Credit Union1004 Memorial Dr, Saint Johnsbury, VT, 05819A+5.0 ★Texas Ratio: 0.30% offering New Ride Auto Loan at 3.79%, Vermont Federal Credit UnionVermont Federal Credit Union84 Pine St, Burlington, VT, 05401 4441A+5.0 ★Texas Ratio: 3.31% offering Electric/Hybrid Auto Loan at 4.40%, EastRise Credit UnionEastRise Credit Union141 Harvest Ln, Williston, VT, 05495 7331A+5.0 ★Texas Ratio: 4.41% offering Green Vehicle Loan at 4.60%, Green Mountain Credit UnionGreen Mountain Credit Union1250 Shelburne Rd, South Burlington, VT, 05403 7783C4.0 ★Texas Ratio: 26.46% offering Vehicle Loan at 5.39%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Vermont side-by-side. Vermont auto loan rates currently start as low as 2.25% APR from Central Vermont Medical Centerinc CU at 130 Fisher Rd, Berlin, VT, 05602. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Vermont. Auto Loan Rates Last Updated and Verified: August 28, 2026
Compare Auto Loan Rates Today in Vermont
Vermont Auto Loan Rates
As low as; Member's agreeing to pay their loans via electronic funds transfer may qualify for a 1/4 of 1% reduction in APR.
Rates may vary based on credit worthiness. $29.43 per thousand borrowed.
As low as; Member's agreeing to pay their loans via electronic funds transfer may qualify for a 1/4 of 1% reduction in APR.
Model Year: Up to 10 model years old
Model Year: Up to 10 model years old
Model Year: Up to 10 model years old
Model Year: Up to 10 model years old
As Low As; APR = annual percentage rate and reflects the current minimum APR offered.
Model Year: Up to 5 model years old
Model Year: Up to 5 model years old
As Low As; APR = annual percentage rate and reflects the current minimum APR offered.
Model Year: Up to 4 model years old
Model Year: Up to 4 model years old
As Low As; APR = annual percentage rate and reflects the current minimum APR offered.
Model Year: Up to 10 model years old
Model Year: Up to 3 model years old
Model Year: Up to 3 model years old (Minimum $15K)
As low as
As low as
As Low As; APR = annual percentage rate and reflects the current minimum APR offered.
Model Year: Up to 10 model years old
Model Year: Up to 5 model years old
As Low As; APR = annual percentage rate and reflects the current minimum APR offered.
Model Year: Up to 4 model years old
Year: 2020-2026
Model Year: Up to 3 model years old
As low as
As low as
As low as
Model Year: Up to 2 model years old
Model Year: Up to 2 model years old (Minimum $25K)
As Low As;*
Year: 2020-2026
As Low As; APR = annual percentage rate and reflects the current minimum APR offered.
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
As Low As;**
Year: 2020-2026
As low as
Model Year: Up to 2 model years old
Maximum Loan-to-Value: 100%
As Low As;**
As Low As; APR = annual percentage rate and reflects the current minimum APR offered.
Maximum Loan-to-Value: 100%
As Low As;**
As low as; Member's agreeing to pay their loans via electronic funds transfer may qualify for a 1/4 of 1% reduction in APR.
Maximum Loan-to-Value: 100%
Maximum Loan-to-Value: 100%
Year: 2020-2026
Model Year: New Only
Model Year: New Only (Min $35K)
As low as; Member's agreeing to pay their loans via electronic funds transfer may qualify for a 1/4 of 1% reduction in APR.
Model Year: New Only
Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 07/20/2026 and is subject to change. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 07/20/2026 and is subject to change. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
Year: New Only*
As Low As
As Low As
Vermont New Auto Auto Loan Rates
As low as; Member's agreeing to pay their loans via electronic funds transfer may qualify for a 1/4 of 1% reduction in APR.
Rates may vary based on credit worthiness. $29.43 per thousand borrowed.
As low as; Member's agreeing to pay their loans via electronic funds transfer may qualify for a 1/4 of 1% reduction in APR.
As low as
As low as
As Low As;*
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
As Low As;**
Maximum Loan-to-Value: 100%
As Low As;**
Maximum Loan-to-Value: 100%
As Low As;**
As low as; Member's agreeing to pay their loans via electronic funds transfer may qualify for a 1/4 of 1% reduction in APR.
Maximum Loan-to-Value: 100%
Maximum Loan-to-Value: 100%
As low as; Member's agreeing to pay their loans via electronic funds transfer may qualify for a 1/4 of 1% reduction in APR.
Model Year: New Only
Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 07/20/2026 and is subject to change. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
As Low As
Vermont Used Auto Auto Loan Rates
As low as; Member's agreeing to pay their loans via electronic funds transfer may qualify for a 1/4 of 1% reduction in APR.
As low as; Member's agreeing to pay their loans via electronic funds transfer may qualify for a 1/4 of 1% reduction in APR.
As low as
As low as
As low as
As Low As;*
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
As Low As;**
As low as
As Low As;**
As Low As;**
As low as; Member's agreeing to pay their loans via electronic funds transfer may qualify for a 1/4 of 1% reduction in APR.
As low as; Member's agreeing to pay their loans via electronic funds transfer may qualify for a 1/4 of 1% reduction in APR.
Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 07/20/2026 and is subject to change. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
As Low As
Vermont Auto Loan Rate Trends
Compare local Vermont auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Vermont new auto rates fell 0.048 points over the past 7 days to 6.830% APR.
Vermont used auto rates fell 0.159 points over the past 7 days to 9.841% APR.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Vermont APRs. Even a small APR difference adds up over the life of a car loan — use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 6.83% APR VT average | Used Auto @ 9.84% APR VT average | Monthly Difference |
|---|---|---|---|
| $15,000 | $295.81/mo | $317.53/mo | $21.72/mo |
| $25,000 | $493.02/mo | $529.22/mo | $36.20/mo |
| $35,000 | $690.23/mo | $740.91/mo | $50.68/mo |
| $45,000 | $887.44/mo | $952.60/mo | $65.16/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
About Our Vermont Auto Loan Rate Database
Our Vermont auto loan tables currently track 11 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified auto loan APR in our Vermont database right now is 2.25% APR from Central Vermont Medical Centerinc CU. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.
How to Get the Best Auto Loan Rate in Vermont
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Vermont locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups — dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Vermont. Membership is usually easier to get than people expect — many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater” — owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs — CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment → park it in a Vermont high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange → compare personal loan rates
- Car fund you won’t need for a set period → Vermont CD rates lock in a guaranteed return until you’re ready to buy
Vermont Financial Snapshot
Local demographics and economic context for car buyers — Source: U.S. Census Bureau
A $592 monthly car payment works out to roughly 15.5% of the median individual income in Vermont. Most budgeting guidelines suggest keeping total vehicle costs — payment, insurance, fuel, and maintenance — under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Vermont — but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies — can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify — always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Vermont. We’ve prefilled the APR with today’s VT new-auto average — or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Vermont auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Vermont directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Vermont. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in VT.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Vermont
How does my credit score affect my car loan rate in Vermont?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Vermont?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Vermont?
- Central Vermont Medical Centerinc CU: 2.25% (New and Used Automobiles and motorcycles)
- Northern Lights Federal Credit Union: 3.79% (New Ride Auto Loan)
- Vermont Federal Credit Union: 4.40% (Electric/Hybrid Auto Loan)
- EastRise Credit Union: 4.60% (Green Vehicle Loan)
- Green Mountain Credit Union: 5.39% (Vehicle Loan)
Auto Loan Rates by City in Vermont
